Capital That Actually Fits the Business.
Debt, SBA, and equity readiness work that gets SMBs in front of the right lenders and investors with credible numbers.
SMB Funding Advisory, end to end.
Owners often take the first capital that is offered. We help you understand what you actually need, what you actually qualify for, and how to package the business so the term sheet reflects its true risk profile. We work across SBA loans, conventional debt, and acquisition financing, and build the model lenders and investors expect to see.
SBA & conventional debt
SBA 7(a) and 504 packaging, working-capital lines, equipment financing, and refinancings. We prepare lender packages, financial projections, and cash-flow coverage analysis.
Acquisition financing
Capital-stack design for searcher and SMB acquisitions, including SBA, seller notes, equity, and mezzanine. Coordination with lenders, attorneys, and equity partners through close.
Investor-ready modeling
Three-statement models with driver-based forecasts, cohort analysis, unit economics, and clear sensitivities, formatted the way bankers and investors expect to read them.
Lender & investor introductions
Targeted introductions to SBA preferred lenders, regional banks, asset-based lenders, and family-office capital we have worked with previously.
Who this engagement is built for.
- Owners refinancing or expanding with SBA or bank debt
- Searchers and self-funded buyers raising acquisition capital
- Established SMBs raising minority growth equity
- Founders preparing for a priced seed or Series A
Explore the rest of our practice.
Tax Services
Year-round federal, state, and international tax strategy for closely-held businesses, founders, and complex household balance sheets.
Learn MoreAccounting & Bookkeeping
Modern, cloud-based accounting that closes on time, reconciles to the dollar, and produces statements you and your investors trust.
Learn MoreM&A Consulting
Sell-side and buy-side advisory for lower-middle-market transactions, with rigorous financial diligence that protects value at the table.
Learn MoreFractional CFO Services
A senior CFO embedded in your business part-time, owning forecasting, capital, and the financial conversations the founder shouldn't have to lead alone.
Learn MoreSchedule a Private Consultation.
Talk to Prabal directly about your business. No sales pitch, and what you share stays confidential.
Schedule a Private Consultation